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Motorcycle Insurance Rates
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When it comes to buying motorcycle insurance, you have plenty of options. This includes the major auto insurance companies that also offer motorcycle coverage, as well as specialty carriers that only insure cyclists.
When choosing a provider, you should consider a variety of factors, including the strength of the coverages, the ease of filing a claim, the responsiveness of company representatives, the track record of handling claims, and the financial stability of the insurer.
And, of course, the price. So, with that in mind, let's look at how to find the most affordable premium rates.
Guide to Shopping for Motorcycle Insurance Rates
When looking for a competitive motorbike insurance rate, you have a few options, such as:
- Using sites that compare quotes from multiple carriers.
- Calling individual providers.
- Asking an independent insurance agent.
- Visiting insurance company sites.
With the third option, keep in mind that independent agents can only offer insurance from carriers they have a contractual agreement with. So, this might limit your options.
For most bikers, the online route is the most convenient and fastest one, especially the last option. However, you won't be able to get a quote from some insurance carriers on multiple-quote sites―especially the smaller, motorcycle-only providers―so you will need to call those companies or visit their sites.
But, this can be a great starting point.
Determining Motorbike Insurance Rates
So, how do motorcycle insurers come up with their rates, anyway?
Believe it or not, they base their premiums on sound statistical data that helps them determine the likelihood of you filing a claim (and costing them money). Insurance companies consider a number of factors, including:
- Age
- Gender
- Location
- Vehicle type
- Marital status
- Accident history
- Driving record (moving violations)
- Annual mileage
- Credit score
In general, those who are younger than 25, female, married, live in a rural location, don't ride much, drive a safe but inexpensive bike, and have a clean driving history and great credit are treated to the best rates.
Don't Forget About Those Insurance Discounts
Riders who qualify for common motorcycle insurance discounts―such as safe driver, multiple-policy, and safety education―can chop anywhere from 5% to 20% or more off their quoted rates.
So, when comparing prices, be sure to consider the discounts offered by the insurers; often the cheapest rate initially may not be the lowest when you factor in the available discounts.
In This Section
Other Topics in This Section
- Motorcycle Insurance Minimum Requirements
Financial responsibility requirements for your moped, atv, scooter or motorcycle by state. Protect your bike and your liability by purchasing motorcycle insurance.
- Types Of Motorcycle Coverage
Get More On Motorcycle Insurance And Scooter Insurance. This Online Guide To Motorbike Insurance Covers Liability Insurance, Comprehensive Coverage, Collision Insurance And More.
- Motorcycle Insurance Quotes
Learn More On Motorcycle Insurance Quotes So You Can Get A Competitive Insurance Rate For Motorcycles. Not All Insurance Companies Offer Motorbike Insurance. Use Our Guide To Save Money.
- Motorcycle Insurance Discounts
How To Save Money With Motorcycle Insurance Discounts. Some Motorbike Insurance Companies Offer A Discount Based On Motorcycle Safety Course Completion, Experience, Location And More.
- Online Motorcycle Insurance
Online Guide To Motorcycle Insurance. We Cover Motorbike Insurance Requirements, Insurance Policies, Insurance Discounts And How To Compare Insurance Rates For Motorcycles.
- Motorcycle Insurance Articles
Motorcycle Insurance Articles Directory. Learn About Choosing Motorcycle Coverage, Getting The Most From Your Policy, Comparing And Saving Money On Motorcycle Insurance Quotes And More.
- Motocross Insurance
Get Info On Motocross Insurance And How It Differs From Motorcycle Insurance And Dirt Bike Insurance. Our Online Guide Covers Various Types Of Motorbike Insurance.
- Dirt Bike Insurance
Learn More On Dirt Bike Insurance And Whether It Differs From Motorcycle Insurance. Motorbike Insurance Polices Vary. Get Online Info With Our Guide To Dirt Bikes And Motorcycles.
- Moped Insurance
Online Guide To Moped Insurance. Get Info On Mopeds And Scooters And Whether You Need To Buy A Motorcycle Insurance Policy. Get Adequate Insurance Coverage Before You Ride.
- Trike Insurance
Get Info On Trike Insurance And Motorbike Coverage. Learn If Motorcycle Insurance Policies Cover Trikes. We Simplify Info On Trikes, Motorcycles And More.
- Scooter Insurance
Online Guide To Scooter Insurance. Find Out If Mopeds And Scooters Are Covered By A Motorcycle Insurance Policy. Use Our Simplified Guide To Scooters And Motorcycles To Learn More.
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